I got a SBI credit card issued for the first time (due to the promotional calls done by SBI for getting a credit card issued at no charge).

I had applied for a SBI credit Card in the month of March 2018 and received the SBI credit card in the month of April 2018. I happen to receive messages from VK-SBICRD that they are unable to issue a credit card due to internal policy. Eventually I got the same message even after receiving the creditcard (last message received on 30th June 2018, 8:14am)Read more of this post

July and August are months in which I normally do a great deal of heavy duty shopping. While December is the time I prefer to score statement pieces for my wardrobe as my favourite brands offer 50% offs and its still early enough in the discount cycle for the best designs and correct sizes to still be available, July-August is a great time to pick up wardrobe staples ,restock innerwear and perhaps pick up clothes that might see just one or two uses, all at steep discounts of 70% +. Yes, its possible to get more than 70+ off, even on high-end luxury brands !!! You just have to strategically use store coupons, loyalty points and all the other incentives that brands use to lure customers into shops, along with picking a mode of payment that gives you the largest discount or cashback. And yeah, you’d better have enough money in your savings bank accounts to pay off these purchases in full, to avoid credit card charges nullifying your discount rates ! Read more of this post

A personal line of credit is a type of loan that is extended to individuals from a bank or a lending institution. It allows the individual to maintain a maximum loan balance account with the lending institution, from which he/she can borrow amounts that are lower than or equal to the credit limit as and when the need arises. The borrowing limits, interest rates, minimum monthly payment, the tenure are all decided while establishing the line of credit . Read more of this post

There are credit cards and credit cards. If you have an income, sooner or later some or other company will offer you one. And if you are a good credit risk, sooner or later, you will be offered upgrades to cards with higher credit limits and privileges. But when it comes to luxury, I have found none better than the privileges offered by the AmEx cards. For example, these credit cards don’t just offer you discounts on eating out at the food court in malls but privileges at the Taj, Oberoi, Trident and Preferred Group of Hotels, complementary access to leading golf courses round the world, free access to VIP lounges at airports,24hr concierge services and special health and wellness benefits on Max Healthcare, Fortis Healthcare and Texas Medical Concierge etc. So if you are looking for a card to get deals on world-class lifestyle services, AmEx is the way to go. Read more of this post